Community First Credit Union
Community First Credit Union

Community First Low Rate Credit Card

Purchase Rate
8.99% p.a.
Cash Advance Rate
8.99% p.a.
Interest Free
Up to 55 days
Annual Fee
Balance Transfer Rate
0% p.a. for first 6 months
  • Low ongoing rate
  • 0% p.a. on balance transfers for 6 months.
  • Same low rate on retail purchases, cash advances and balance transfers.
  • Up to 55 days interest free.
  • Additional card available for $0.
  • Low annual fee of $40.
  • Choose a credit limit from as little as $500 and up to $15,000.
  • Access to the worldwide Visa network.
  • The option of loan protection insurance.

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Fee & Repayments

Annual Fee $40.00
Annual Fee First Year $40.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 3% or $20.00
Interest Charged From PurchaseDate
Late Payment Fee $25.00

Other Charges

Duplicate Statement Fee $3.00
Overseas ATM Balance Fee $5.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $5.00
Over Limit Fee $30.00
Overseas Emergency Card Replacement Fee $175.00
Terms & Conditions
Credit eligibility criteria, terms & conditions, fees & charges apply. *Rates are current as 31/03/2018 and subject to change without notice. For more information visit Community First Credit Union Limited ABN 80 087 649 938 AFSL/Australian Credit Licence No. 231204. Conditions of Use are available on this website.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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